The maximum amount of a single loan is 300,000 yuan, 80% for houses below 90㎡ and 70% for houses above 90㎡, and it shall not be higher than the sum of the monthly salary of the borrower and his wife × 12× loan period× 40%. According to the different guarantee methods, the maximum loan amount is as follows:

1) The maximum loan amount guaranteed by the guarantor is 80% of the purchase price;

2) The maximum amount of the pledged secured loan is 80% of the purchase price and shall not be higher than 90% of the pledged securities;

3) The maximum amount of mortgage secured loan is 70% of the purchase price, and shall not be higher than 70% of the appraised value of mortgaged real estate.

The longest loan period shall not exceed 20 years, and the longest loan period shall not exceed the number of years before the statutory retirement of the borrower.